TRACY M TALLEY

Irving, TX *****

214-***-****

acsi8o@r.postjobfree.com

Career Objectives

To obtain a secure challenging position this utilizes my education, training, and legal experience in a mortgage company.

Summary of Qualifications

I am a graduate from the Paralegal Studies program at Southern Technical College. Over 5yrs of mortgage/finance experience, passionate, and driven to ensure the highest levels of quality, compliance, and negotiating contractual provisions. Vast real estate/mortgage, title curative, closing or foreclosure experience,

and working knowledge of titles for all 50 states.

Work History:

July 27, 2015-November 11, 2015 Prodigy Placements- Dallas, TX

Loan Servicing Specialist/Title Processor

Verify accurate title vin number, odometer reading, release of liens, “free and clear” title and that titles contain no alteration. Check vehicle titles for accuracy. Ensure that titles are delivered to purchasing dealer.

February 17, 2015-May 8, 2015 The Computer Merchant Ltd- Norwell, MA

Titles Specialist

Essential Functions:

Ensures lien is perfected per published guidelines

Processing collateral for assigned clients

Intake new loan files in the collateral vault

Validate information on the original contracts

Working knowledge of titles for all 50 states

Multiply loan audits for different clients

Receive and track all incoming collateral packages

Maintain collateral files in vault to ensure loan files can be found quickly

Processes e-mails and faxes per service level agreements

Runs on-line inquires to perfect title records within published guidelines

Process Title History requests

Perfects refinance titles per published guidelines

Makes outbound calls to dealers

Processes daily incoming mail

Responsible for Vendor Reporting

Takes roll-over calls from the Call Center

April 01, 2013-Present Santander Consumer USA – Dallas, Texas

Loan Funder

Assists in facilitating the purchase of contracts

Analyze and assess accuracy of verifications, calculations and data

Subject matter expert for verifications required in the funding process

Reviews and negotiates contractual provisions from dealers

Addresses confidentiality with sensitive matters as they arise

Oversight and management of title curative production

Manage relationships finance and title departments

July 05, 2011 –June 29, 2012 CHASE MORTGAGE – Irving, Texas

Homeownership Center Mortgage Business Analyst/Underwriter

Review and analyze customer financial documentation and propose solutions to assist customers in retaining homeownership.

Reviewed and analyzed highly complex borrower documentation to determine income and repayment ability

Assessed borrower hardship; analyzed housing expenses, potential fraud, and determined proper loan resolution.

Review the recommended foreclosure prevention alternative offered to the homeowner to ensure all investor and insurer guidelines were followed

Assisted with Mortgage Compliance

Data Management

Gathered information and data and analyzed results or improvements

Working knowledge of titles in all 50 states

Manage relationships with designated law firms and other national title vendors

Work closely with Closing Specialists and Mortgage Insurance Specialists

Aug 09, 2010 - Mar 23, 2011 SILICON VALLEY STAFFING- Emeryville, California

MORTGAGE UNDERWRITER HAMP/CHASE MORTGAGE

• Provided Loan Level Analysis including Underwriting, Frontline and

Default loans, and Processing for HAMP, GSE, and Non GSE Assets, and

Loss Mitigation

• Assisted with borrower; reviewed loan applications for default programs

• Review and negotiate contracts as needed

• Data Management

• Perform legal research, create reports and trend analysis

• Oversight and management of title curative production

• Interact on a daily basis with mortgage vendors to resolve simple and complex title issues

• Share best practices and ensure a high level of internal and external customer service focus

Jul 21, 2008 - Apr 01, 2010 Bank of America - Richardson, Texas

UNDERWRITER BANKRUPTCY DEPT

• Assisted customers with loan applications, reviewed credit, and verified income for loan qualification

• Legal research of the appropriate policies and procedures were followed during the 2008-2010 Article

VII Foreclosure Lookback Project

• Maintained files for compliance

• Researched and analyzed borrower documentation and hardship to determine modification options

• Policy and procedural updates from Treasury incorporating them into existing Article VII content

• Ability to negotiate and provide dispute resolution with third parties

• Ability to draft, reviews, and executes legal and other business related documents.

• Working knowledge of titles for all 50 states

• Maintain collateral files in title departments to ensure loan files can be found quickly

• Maintain knowledge of current policies and procedures pertaining to client

Feb 01, 2005 - Jun 27, 2008 Uniq Financial - Grand Prairie, Texas

UNDERWRITER/BUSINESS ANALYST:

• Reviewed loan files, analyzed credit, ran DU, reviewed appraisals, Frontline/Default Loans, some manual loans

• Gathered information and data and analyze for results or improvements

• Participate in Operations process improvement initiatives and Data Management, HAMP, and Loss

Mitigation

• Interpreted policy and procedural updates from Treasury incorporating them into existing Article VII content

• Assist with projects of other team members

• Assist with the management, creation, organization, and maintenance of all corporate and other departments related matters

• Assist with projects of other team members

• Working knowledge of titles from all 50 states

• Manage portfolio of REO assets with open simple or complex title issues that require resolution

• Intake new loan files in the title department to validate or perfect the title document

Feb 23, 1999 - Jun 28, 2008 Federal Express - Irving, Texas

Sr Customer Service Representative-Part Time

Answer incoming calls to track packages, schedule pickups, open traces on late or lost packages,

and order shipping supplies.

Education:

Aug 1991-May 1992 Southern Technical College-Little Rock, Arkansas

Major: Legal Assistant

680 Clock Hours

Diploma

Aug 1989 - May 1990 Westark Jr. College – Fort Smith, Arkansas

Major: Legal Assistant

30 Credit Hours

Aug 1980 – Dec 1982 University of Arkansas - Fayetteville, Arkansas

Major: Advertising & Public Relations

60 Credit Hours

Aug 1978 - Jun 1980 Northside High School - Fort Smith, Arkansas

Education Level: High School Diploma

Major: General

Computer Skills:

MS Word, MS Excel, MS Visio, Power point, Efile, Due Diligence, Real Estate, Legal Writing,

LPS/MSP, AS400, WP2, Lenderlive, Shaw, PEGA, and type 45 w.p.m.

References: Available upon request

Contact this candidate